Global Digital Commerce Infrastructure 2026

Table of Contents

1. Key Takeaways

2. Management Summary

3. Global Payments Landscape & Market Evolution

• 3.1. Digital Payments Market & Adoption
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 1 of 2)
• Global: Digital Payments Adoption, Innovations and Consumer Preferences, June 2026 (Part 2 of 2)
• Global: Digital Mobility Payments and Market Growth Overview, June 2026
• Global: Total Non-cash Transactions Volume, in volume trillions, 2018 & 2021-2024e & 2028f
• Global: Total B2B Non-cash Transactions Volume, in volume billions, 2018 & 2021-2024e & 2028f
• Global: Payments Revenue Value, in USD trillion, 2013, 2018, 2020- 2023, 2028f
• Global: Transaction-Related Payments Revenue, by Region, in USD billion, and Compound Annual Growth Rate, 2019, 2024 & 2029f
• Global: Payments Revenue by Type, Commercial & Consumer in %, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2023
• Global: Payments Revenue by Type, Commercial & Consumer in %, 2024
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, 2024
• Global: Payments Revenue by Type, Commercial & Consumer in %, by Region, by Payment Type, 2024
• Global: Payment Revenue Value, in USD trillion, 2027f
• Global: Online Payment Methods Preferred by Shoppers, in % of Respondents, 2024
• Global: Payment Mix: New Payments vs Traditional Payments, In % of transaction volume, 2023 & 2028f
• Global: Organizations Accepting Payment Methods, by Type, in %, 2022 & 2024
• Global: Payment Type Transactions, by Quarter, in % Year-Over-Year Change, Q4 2022 - Q3 2023
• 3.2. Real-Time Payments & Next-Generation Payment Rails
• Global: Real-Time Payment Transactions, in billions of Transactions, and Growth Rates, 2022-2023 & 2028f
• Global: Instant Payments as Share of Non-Cash Transaction Volume, in %, 2023 & 2028f
• Global: Share of Real-Time Payments in Total Electronic Transactions, in %, 2023 & 2028f
• Global: Top Five Real-Time Payment Markets by Transaction Volume and Year-on-Year Growth, in billions of Transactions and %, 2023
• Global: Instant Payment Penetration and Year-on-Year Volume Growth by Region, in %, 2024
• Global: A2A Transaction Volume, in billions, and Total Growth, 2024 & 2029f
• 3.3. Cross-Border Payments & Infrastructure Evolution
• Global: Cross-Border Payment Infrastructure Layers, Intermediaries, and Settlement Mechanisms, June 2026
• Global: Evolution of Cross-Border Payment Infr., Real-Time Connectivity, and Network Modernizat., June 2026
• Global: Structural Drivers Accelerating Cross-Border Payment Infrastructure Modernization, June 2026
• Global: Transition Toward Real-Time Interoperable Cross-Border Payment Systems, June 2026
• Global: Competitive Positioning Across Banks, PSPs, FinTechs, and Payment Infrastr. Providers, June 2026
• Global: Service Capabilities Across Major Cross-Border Payment Infrastructure Providers, June 2026
• Global: Competition Across Cross-Border Payment Networks Layer, June 2026

4. Global Payment Economics, Business Models & Value Creation

• 4.1. Payment Business Models & Industry Economics
• Global: Impact of A2A Payments and Alternative Rails on Revenue Pools, April 2026
• Global: A2A Payment Monet. Models, Fee Structures, Cost Allocation and Value-Added Services, April 2026
• Global: Real-Time Paym. Business Models, Value Capture, Revenue Layers and Comp. Positioning, Apr 2026
• Global: Payment Value Chain Profit Pools, Issuing, Acquiring, Processing, and Revenue Layers, April 2026
• Global: Commercial Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Consumer Payment Revenue Distribution by Region, in % of Total Payment Revenues, 2024
• Global: Revenue Structure and Monetization Mechanisms Across Card and A2A Payment Models, April 2026
• Global: A2A Payments and Multi-Rail Infrastructure Development, April 2026
• Global: Multi-Rail Payment, Orchestration Adoption, Infrastructure Positioning, and Revenue Models, Apr 2026
• Global: Merchant Payment Acceptance Costs for Card-Based and A2A Transactions, April 2026
• Global: Card Type Identified as Most Likely to Be Impacted by A2A Payments, in % of Paym. Executives, 2025
• Global: Merchant Acceptance of Selected Payment Methods, in % of Respondents, 2023 & 2025e
• 4.2. Cross-Border Payment Economics & Value Chains
• Global: TAM of Wholesale and Retail Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: TAM of Non-Wholesale Cross-Border Payments, in USD tn. and CAGR, 2024 & 2032f
• Global: B2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: B2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2B Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: C2C Cross-Border Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Flows by Use Case, in USD trillions and % of Total Share, 2025
• Global: Cross-Border Payment Revenues by Use Case, in USD billions and % of Total Share, 2025
• Global: Cross-Border Payment Take Rates by Use Case, in % of Cross-Border Payment Flow Value, 2025
• Global: Large Enterprise Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: SMB Cross-Border B2B Payments Market Size, in USD trillions and CAGR, 2024 & 2032f
• Global: Cross-Border Payment Fee Structures and Transaction Friction Across Major Corridors, June 2026
• Global: Settlement Delays, Intermediary Complexity, and Liquidity Constraints in Intern. Payments, June 2026
• Global: Infrastructure Factors Influencing Cost and Efficiency Across Major Payment Corridors, June 2026

5. Global Payment Infrastructure, Connectivity & Interoperability

• 5.1. Payment Infrastructure Modernization
• Global: Volume of Non-Cash B2B and B2C Payments, in billions and CAGR, 2007, 2014, 2023-2025f, 2029f
• Global: Share of Non-Cash Transaction Volume by Payment Instrument, in %, 2023 - 2024e & 2029f
• Global: Share of E-Commerce Transaction Value by Payment Method, in %, 2024 & 2030f
• Global: Correspondent Banking, RTP-Based Payment Models, and Cross-Border Infrastr. Trends, June 2026
• Global: RTP System Expansion, Transaction Growth, and Cross-Border Connectivity Initiatives, June 2026
• Global: Cross-Border RTP Linkages, Payment-System Interoperability, and Infrastr. Connectivity, June 2026
• Global: ISO 20022 Adoption and Interoperability Development Across Payment Systems, June 2026
• Global: ISO 20022 Standardization and Payment Data Harmonization, June 2026
• Global: SWIFT Infrastr. Modernization, ISO 20022 Migration, and Transaction Data Standardization, June 2026
• Global: API-Based Financial Infrastructure and Embedded Payment Integration, June 2026
• Global: Banking-as-a-Service and API Ecosystem Expansion in International Payments, June 2026
• Global: Strategic Expansion of API-Based Payment Infrastructure Providers, June 2026
• Global: Payment Orchestration Layers and Intelligent Routing Infrastructure, June 2026
• Global: Multi-Rail Payment, Transaction Routing Complexity, and Payment Method Fragmentation, June 2026
• Global: Digital Wallet Connectivity, Multi-Currency Payment, and Cross-Border Payment Integration, June 2026
• 5.2. Interoperability & Cross-Border Connectivity
• Global: Cross-Border A2A Payment Limitations and Card Network Dominance, April 2026
• Europe: SEPA Instant Credit Transfer Usage Patterns Across Retail Transactions, May 2026
• Europe: Open Banking and Account-to-Account Payment Development Across Retail Transactions, May 2026
• Europe: Development and Rollout of EPI's Wero Payment System, May 2026
• 5.3. Infrastructure Adoption & Implementation Challenges
• Global: Success Factors Behind UPI and Pix, Policy Mandates, Cost Structures, and Infrastr. Design, Apr 2026
• Global: Open Banking Payment Adoption Barriers, Merchant, Consumer, and Regulatory Constraints, Apr 2026
• U.S.: Structural Barriers to Real-Time and A2A Payment Adoption, April 2026

6. Global Digital Identity & Trust Infrastructure

• 6.1. Identity Infrastructure Overview
• Global: Structural Drivers Supporting Digital Identity Modernization, July 2026
• Global: Identity, Authentication, and Trust Across Digital Ecosystems, July 2026
• Global: Competitive Positioning Across Identity Ecosystems, July 2026
• 6.2. Digital Identity Market & Adoption
• Global: Enterprise Demand Across Digital Identity Solution Categories, July 2026
• Global: Enterprise Adoption of Digital Identity Infrastructure Across Industry Sectors, July 2026
• Global: Sector-Level Investment Drivers for Digital Identity Infrastructure, July 2026
• Global: Enterprise Identity Orchestration Across Hybrid Digital Environments, July 2026
• Global: Identity Governance Frameworks Supporting Enterprise Digital Trust, July 2026
• 6.3. Identity Architecture & Trust Frameworks
• Global: Evolution of Identity Models and Authentication Frameworks, July 2026
• Global: Centralized, Federated, and Decentralized Identity Architecture Models, July 2026
• Global: Applications of Digital Identity Infrastructure Across Commerce, Finance, and Government, July 2026
• Global: Digital Trust Frameworks Supporting Cross-Sector Digital Ecosystems, July 2026
• Global: Identity Portability, Credential Reusability, and Interoperability, July 2026
• 6.4. Authentication & Identity Verification
• Global: Awareness of Passkeys Among Consumers, in % of Respondents, April 2026
• Global: Consumer Adoption of Passkeys Across Digital Accounts, in % of Respondents, April 2026
• Global: Consumers Who Enabled Passkeys on at Least Some Accounts, in % of Respondents, April 2026
• Global: Consumer Preference and Usage Frequency of Passkeys, in % of Respondents, April 2026
• Global: Passkey Activity at Employers, in % of Employed Respondents, April 2026
• Global: Employees Reporting Passkey Activity at Their Employer, in % of Employed Respondents, April 2026
• Global: Leading Drivers for Considering or Implementing Passkeys, in % of Organizations With Active Passkey Consideration or Adoption, April 2026
• Global: Primary Workforce Sign-In Method Used by Employees, in % of Organizations, April 2026
• Global: Developments in Multi-Factor Authentication, Enterprise Adoption, and Regulatory Requir., July 2026
• Global: Biometric Authentication Adoption Across Digital Services, July 2026
• Global: Continuous Identity Trust Assessment Across Enterprise Digital Ecosystems, July 2026
• Global: Risk-Based Authentication Decision Frameworks Across Digital Card Payment Ecosystems, July 2026
• 6.5. Digital Credentials & Identity Wallets
• Global: Government Digital Identity Programs and National Identity Platforms, July 2026
• Global: Platform-Based Identity Ecosystems Including Apple, Google, and Microsoft, July 2026
• Global: Mobile Driver's License Ecosystem And Digital Identity Wallet Integration, July 2026
• Global: Digital Identity Wallets Supporting Authentication, Payments, And Reusable Credentials, July 2026
• Global: Digital Payment Credentials Supporting Credential Provisioning and Lifecycle Management, July 2026
• Global: Digital Credential Adoption Across Financial, Travel, Healthcare, And Professional Services, July 2026
• 6.6. Identity Infrastructure for Payments & Commerce
• Global: Digital Identity Applications Across Customer Onboarding and Account Opening Processes, July 2026
• Global: Authentication Methods Used in Digital Payment Transaction, July 2026
• Global: Digital Identity Infrastructure Supporting Open Banking and Open Finance Ecosystems, July 2026
• Global: Embedded Finance Infrastructure Supporting Platform-Based Financial Services, July 2026
• Global: Digital Identity Verification and Authent. in Cross-Border Payment Compliance Processes, July 2026
• Global: Organizational Identity Infrastructure for Cross-Border Business and Digital Trade, July 2026
• Global: KYB Infrastructure Across Merchant Acquiring and Platform Commerce Ecosystems, July 2026
• Global: Continuous Merchant Monitoring Across Digital Commerce, July 2026
• Global: Network Tokenization and Identity-Based Payment Security Infrastructure, July 2026
• 6.7. Digital Identity Business Value & Identity Economics
• Global: Cost of Customer Onboarding Across Banking, Payments, and Financial Services, July 2026
• Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., April 2026
• Global: Compliance Cost Optimization Through Digital Identity Infrastructure, July 2026
• Global: Business Value Drivers of Digital Identity Investments Across Industries, July 2026

7. Global Settlement, Liquidity & Digital Money Infrastructure

• 7.1. Treasury, Liquidity & Foreign Exchange Infrastructure
• Global: Treasury Optimization, Liquidity Management, and International Payment Operations, June 2026
• Global: Foreign Exchange Infrastr., Liquidity Management, and Cross-Border Payment Efficiency, June 2026
• Global: Treasury Modernization, Multi-Currency Liquidity Management, and Automated FX Routing, June 2026
• 7.2. Settlement Performance & Payment Efficiency
• Global: Wholesale Cross-Border Payments Credited Within One Hour and One Busin. Day, in %, 2023 - 2025
• Global: Retail Cross-Border Payments Credited Within One Hour and One Business Day, in %, 2023 - 2025
• Global: Availability of Cost and Speed Inform. Across Retail Cross-Border Payment Services, in %, 2023 - 2025
• 7.3. Tokenized Settlement & Digital Money Infrastructure
• Global: Traditional and Stablecoin-Based Cross-Border Settlement Infrastructure, June 2026
• Global: Stablecoin Adoption, Tokenized Settlement Development, and International Payment Infr., June 2026
• Global: CBDC Pilot Programs, Tokenized Settlement Networks, and Cross-Border Payment Exper., June 2026
• Global: Project mBridge Cross-Border Transactions Values, in USD billions, 2022 & 2025
• Global: Atomic Settlement Models, Tokenized Money Infrastructure, and Next-Generation Payment, June 2026
• Global: Tokenized Cross-Border Payment Infrastructure Cost Savings, in USD bil. and CAGR, 2026e - 2030e

8. Global Stablecoins & Digital Money Infrastructure

• 8.1. Stablecoin Market Overview
• Global: Evolution of Stablecoins from Digital Assets to Payment and Settlement Infrastructure, June 2026
• Global: Stablecoin Ecosystem Overview, July 2026
• Global: Key Drivers of Stablecoin Adoption, July 2026
• Global: Stablecoins Within the Broader Digital Money Landscape, June 2026
• 8.2. Stablecoin Ecosystem & Market Development
• Global: Stablecoin Market Capitalization and Leading Stablecoins, July 2026
• Global: Stablecoin Market Size and Estimated Growth Scenarios, in USD billions, 2020 - 2025 & 2030f
• Global: Stablecoin Transaction Activity by Volume Category, in USD trillion, 2025
• Global: Distribution of Stablecoin Market Share Between Tether & Circle, and Other Issuers, in %, 2026
• Global: Stablecoin Types and Reserve Structures, July 2026
• Global: Issuers, Custodians, Wallet Providers, Payment Processors, and Liquidity Providers, July 2026
• Global: Stablecoin Payment Functional Architecture, June 2026
• Global: Settlement and Orchestration Infrastructure Supporting Stablecoin Transactions, June 2026
• Asia-Pacific: Enterprise Infrastructure Supporting Stablecoin Payment and Settlement Ecosystems, July 2026
• 8.3. Stablecoin Economics & Business Models
• Global: Revenue Models of Stablecoin Issuers, July 2026
• Global: Stablecoin Reserve Management and Issuer Economics, June 2026
• Global: Cost Structures Compared to Traditional Payment Infrastructure, July 2026
• Global: Factors Supporting Stablecoin Business Model Sustainability, July 2026
• 8.4. Stablecoin & Payment Infrastructure
• Global: ACH Networks and Stablecoin Payment Infrastructure, July 2026
• Global: Stablecoins and Real-Time Payment Systems, July 2026
• Global: Stablecoins and SEPA Instant Payment Networks, July 2026
• Global: Stablecoins & Traditional Payment Infrast. Compared Across Operational Characteristics, June 2026
• 8.5. Stablecoin Payment & Settlement Applications
• Global: Annualized Stablecoin Payment Volumes by Payment Category, in USD billion, 2025
• Global: Stablecoin Payment Penetration by Payment Segment, in %, 2025
• Global: Share of Annualized Stablecoin Payment Volume by Transaction Category, in %, 2025
• Global: Cross-Border B2B Stablecoin Transaction Value, in USD billions, 2026 & 2035f
• Global: Stablecoin Payroll and Remittance Payments, in USD trillion, 2025
• Global: Origin of Annualized Stablecoin Payment Volumes by Region, in USD billion, 2025
• U.S.: Share of Merchants Accepting Cryptocurrency Payments, in %, 2026
• U.S.: Share of Merchants Accepting Cryptocurrency Payments by Company Size, in %, 2026
• U.S.: Reported Benefits of Accepting Cryptocurrency Payments Among Merchants, in %, 2026
• U.S.: Projected Stablecoin-Enabled Retail Payment Volumes, in USD billion, 2026f - 2030f
• 8.6. Stablecoin Institutional Adoption & Global Market Development
• Global: Banks and Financial Institutions Expanding Stablecoin Infrastructure, June 2026
• Global: Payment Providers and PSP Stablecoin Initiatives, June 2026
• Global: Stablecoin Infrastructure Partnerships Across Payment Ecosystems, June 2026
• Global: Stablecoin Adoption Across Commerce and Financial Services, June 2026
• Global: Stablecoin Treasury Capabilities Supporting International Business Operations, June 2026
• Global: Stablecoin Integration Across Commercial Payment Infrastructure, June 2026
• Global: Cross-Border Settlement Deployments and Operational Implementations, June 2026
• Global: Top Stablecoin Use Cases of Interest Over the Next Five Years, in % of Surveyed Organizations, 2025
• Asia-Pacific: Stablecoin Strategies for Cross-Border Payment Infrastructure, July 2026
• Asia-Pacific: Digital Money Strategies in South Korea and India, July 2026
• Singapore: Institutional Stablecoin Infrastructure and Tokenized Finance, July 2026
• Middle East: Institutional Stablecoin Payment Infrastructure Development, July 2026
• Middle East: Institutional Digital Financial Infrastructure and Tokenization, July 2026
• Latin America: Stablecoin Adoption Across Cross-Border Payments and Treasury Operations, July 2026
• Africa: Stablecoin Adoption Drivers Across Cross-Border Payment Markets, July 2026
• Africa: Financial Institutions & Payment Infrastructure Supporting Stablecoin Payments & Settlement, July 2026
• 8.7. Stablecoin in Digital Commerce
• Global: Merchant Acceptance and Commerce Enablement, July 2026
• Global: Merchant Economics of Stablecoin Payments, July 2026
• Global: Stablecoins Supporting Cross-Border E-Commerce, July 2026
• Global: Digital Commerce Platforms Expanding Stablecoin Payment Capabilities, July 2026
• 8.8. Stablecoins & Digital Money Models
• Global: Stablecoins, Tokenized Deposits, and Blockchain-Based Settlement Models, June 2026
• Global: Commercial Bank Money Tokens and Deposit Token Initiatives, June 2026
• Global: Stablecoins Compared with Central Bank Digital Currencies, June 2026
• Global: Programmable Money Infrast. Across Stablecoins, CBDCs, and Tokenized Money Systems, June 2026

9. Global AI Infrastructure & Intelligent Payment Systems

• 9.1. AI Across Payment Ecosystems
• Global: Overview of AI Use in Payments, June 2026 (1 of 3)
• Global: Overview of AI Use in Payments, June 2026 (2 of 3)
• Global: Overview of AI Use in Payments, June 2026 (3 of 3)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (1 of 2)
• Global: Overview of AI and Machine Learning in Payments, June 2026 (2 of 2)
• Global: AI-Driven Fraud Prevention and Risk Management in Financial Services, June 2026
• Global: AI-Optimized Payments, Risk Management, and Customer Experience, June 2026
• Global: AI Collaboration and Future Innovations in Payments, June 2026
• Global: AI and Crypto Applications Tackle Cart Abandonment and Digital Checkout Friction, June 2026
• Global: Challenges And Risks of AI Use in the B2C E-Commerce And Online Payments Industry, June 2026
• Global: Use Cases of AI and Machine Learning in Payments, in % of Payment Professionals, 2023e
• Global: Top Challenges With Applying Generative AI in Banking, in % of C-Suite Executives, October 2023
• Global: Value of AI in Payments, in USD billion, 2023 & 2031f
• Global: Long-Term Implications for Cross-Border Transaction Infrastructure, June 2026
• 9.2. Intelligent Payment Operations & Automation
• Global: AI-Driven Transaction Routing and Intelligent Payment Optimization Systems, June 2026
• Global: AI in Treasury Operations, Liquidity Forecasting, and FX Management, June 2026
• Global: AI-Powered Fraud Detection and Transaction Monitoring in Cross-Border Payments, June 2026
• Global: Operational Automation Across International Payment Compliance Systems, June 2026
• Global: ML Infrastructure, Real-Time Risk Scoring, Sanctions Monit., and Financial Crime Detection, June 2026
• Global: Adoption of Innovative Payment Technologies by Banks & PayTechs, in % of Exec. Reporting Technologies Already Deployed, 2025
• Global: Prioritization of Payment Industry Initiatives by Banks & PayTechs, in % of Executives Surveyed, 2025
• Global: Merchant Expectations Versus Banks' Reported Capability Levels Across Payment Infrastructure Services, in % of Respondents, 2025
• 9.3. AI-Driven Fraud & Emerging Threats
• Global: AI-Enabled Phishing, Social Engineering Acceleration, and AI-Driven Fraud Det. in Payments, March 2026
• Global: Performance and Efficiency Comparison of AI-Enabled and Traditional Crypto Scams, March 2026
• Global: Share of AI-Enabled Crypto Scams Concentrated in High-Value / High-Volume Activity, in % of Scams, 2025
• Global: Impact of Service-Based Scam Supply Chains on Fraud Scalability, Transaction Effectiveness, and Operational Intensity, March 2026
• Global: Evolution of Fraud Techniques, Detection Processes, and AI-Enabled Risk Management Practices, March 2026
• Global: Share of Consumers Who Are "Very Confident" in Identifying AI-Generated Threats or Scams, in % of Respondents, 2025
• Global: Adoption of Generative AI in Fraud Prevention by Banks, in % of Respondents, March - April 2025
• Global: Perceived Use of Generative AI in Voice-Cloning Fraud, in % of Respondents, March- April 2025
• Global: Expected Impact of AI-Driven Behavioral Analytics on Fraud Prevention, in % of Resp., March - April 2025
• 9.4. AI-Driven Fraud Prevention & Security
• Global: Adoption and Primary Use Cases of AI-Enabled Tools for Cybersecurity, in % of Resp., August - October 2025
• Global: Behavioral AI Adoption and Enterprise Deployment Challenges in Fraud Detection Sys., March 2026
• Global: Top Use Cases of AI in Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Duration of AI Use in Fraud Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Adop. of AI for Fraud and Financial Crime Prevention by Financial Institutions, in % of Resp., March - April 2025
• Global: Leading Challenges in AI Deployment for Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on False Positives in Fraud and Financial Crime Prevention, in % of Resp., March - April 2025
• Global: Reported Impact of AI Adoption on Fraud Loss Reduction, in % of Respondents, March - April 2025
• Global: Criminal Use of Generative AI in Fraud and Scam Activities, in % of Respondents, March - April 2025
• Global: Fraud Prevention Technologies, in % of Business Leaders Ranking Each Among the Top Three Most Effective, May - June 2025
• Global: Key Barriers to AI Implementation in Cybersecurity, in % of Respondents, August - October 2025
• Global: Organizations with a Process to Assess the Security of AI Tools Before Deployment, in % of Resp., 2025 - 2026
• Global: AI Security Reviews Before Deployment, by Organizational Resilience Level, in % of Resp., August - October 2025
• Global: Share of Consumers More Trusting of AI-Based Security Than Human-Monitored Security by Generation, in % of Respondents, 2025

10. Global AI Commerce & Consumer Transformation

• 10.1. Consumer Adoption & Trust in AI Commerce
• Global: Consumer Openness to Generative AI in Shopping, in % of Consumers, 2024
• Global: Consumer Interest in AI E-Commerce Features, in % of Respondents, 2025
• Global: AI Usage by Consumer Shopping Category, in % of Respondents, February 2026
• Global: AI Usage Across the Shopping Journey by Task, in % of Respondents, February 2026
• Global: Role of AI in Initial Product Discovery and Decision-Making, April 2026
• Global: Impact of AI on Brand Influence and Purchase Decision Criteria in Retail, April 2026
• Global: Key Consumer Concerns About Agentic AI in Commerce, in % of Respondents, Aug 2025
• U.S.: Consumer Trust in AI Sources for Executing the Entire Shopping Experience, in % of Resp., Sep 2025
• Europe: Gen AI Usage in the Awareness Stage of the Shopping Journey, in % of Respondents, December 2025
• Europe: Gen AI Usage in the Consideration and Purchase Stage of the Shop. Journey, in % of Resp., Dec 2025
• Europe: Gen AI Usage in the Postpurchase Stage of the Shopping Journey, in % of Resp., December 2025
• Europe: Consumer High Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 2025
• Europe: Consumer Low Comfort with AI Tool Autonomy During the Shopping Journey, in % of Resp., Dec 2025
• APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Discovery, in % of Resp., 2024
• APAC: Consumer Usage of Offline, Digital, & AI Channels for Product Research, in % of Resp., 2024
• 10.2. AI Discovery, Search & Traffic Transformation
• U.S.: YoY Change in Organic Search and Gen AI Retail Traffic, in %, 2024-2025
• US & Canada: Year-Over-Year Growth in E-Commerce Traffic by Source, in %, January - December 2025
• Europe: Share of AI-Driven Search Visits in Total Organic Traffic, in %, Early 2024 - End of 2026
• Europe: Share of LLM Referral Traffic in Total Website Traffic, in %, Late 2025 - Late 2026
• Europe: Year-Over-Year Growth in LLM Referral Traffic by Retail Sector, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Fashion and Sport, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Luxury, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Specialty Retail, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (Exc. Amazon), in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Marketpl. (inc. Amazon), in %, Sep 2024 - Sep 2025
• Europe: YoY Growth in Traffic by Source in Direct-to-Cust. and Brand-Owned Web., in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Omnichannel Retail, in %, Sep 2024 - Sep 2025
• Europe: Year-over-Year Growth in Traffic by Source in the Mass Retail, in %, Sep 2024 - Sep 2025
• U.S.: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• UK: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• Germany: ChatGPT Retail Refer. by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• France: ChatGPT Retail Referrals by Volume and Share, in Mill. Visits and % of Total Refer., Oct 2024 - Oct 2025
• 10.3. Structural Transformation of Digital Commerce
• Global: AI/LLM-Driven Disruption Risk in Retail and E-Comm. Consumer Journeys, in Score, June - Sep 2025
• Global: AI Shopping Agents, Product Discovery Behavior and Purchase Delegation Trends, March 2026
• Global: Structural Changes in the Consumer Shopping Journey with AI Integration, April 2026
• Global: E-Commerce Platform Dynamics, Traffic Ownership and Merchant Visibility, March 2026
• Global: Retailer Strategic Approaches to AI Integration in Commerce, April 2026
• Global: Winners in AI Platforms and Infrast. vs. Risks for Marketplaces and SEO-Driven Retailers, April 2026
• Europe: Consumer Use of AI in Shopping Journeys, Trust and Delegation, March 2026
• Europe: Consumer Trust in AI-led Shopping Actions and Delegation Boundaries, March 2026

11. Global Agentic Commerce & Autonomous Transaction Systems

• 11.1. Agentic Commerce Evolution & Enterprise Adoption
• Global: Evolution of AI-Assisted, Delegated, and Autonomous Transaction Models, May 2026
• Global: AI-Mediated Commerce, Delegated Purchasing, and Autonomous Transaction Execution, May 2026
• Global: Evolution from Assisted Discovery to Autonomous Purchasing Across the Commerce Journey, May 2026
• Global: Organizations Using AI in at Least One Business Function, in % of Respondents, 2023 - 2025
• Global: Key Developments in Agentic and Generative AI across Banking Segments, May 2026
• Global: Autonomous Economic Agents and Machine-to-Machine Commerce Systems, May 2026
• Global: Shift from Payment Execution to Permission, Trust, and Programmable Transaction Logic, May 2026
• Global: Strategic Positioning Across AI Platforms, Payment Infrastructure, & Commerce Ecosystems, May 2026
• Global: AI Shopping Interfaces, Product Discovery Systems, & Commerce Integration Frameworks, May 2026
• Global: AI-Orchestrated Customer Interaction, Transaction Coordination, & Commerce Workflow, May 2026
• U.S.: Current State of Agentic AI Technology Adoption Among Enterprises, in % of Respondents, Dec 2025
• U.S.: Share of Enterprises Rating Gen AI Tasks by Strategic Impact Level, in % of Resp., December 2025
• U.S.: Share of Enterprises by Level of Gen AI Task Autonomy, in % of Ent. Performing Each Task, Dec 2025
• U.S.: Share of Enterprises by Preferred Gen AI Platform Provider, in % of Respondents, December 2025
• U.S.: Enterprise Agreement with Select Statements on Gen AI Strategic and Risk Imp., in % of Resp., Dec 2025
• U.S.: AI Use in Finance by Function, Leadership Role, and Governance Priorities, May 2026
• U.S.: Leading Barriers to Agentic AI Adoption, in % of Respondents, 2025
• 11.2. Autonomous Commerce Infrastructure & Interoperability
• Global: Real-Time Payments, Open APIs, Tokenization, and Interoperable Commerce Infrastructure, May 2026
• Global: Technology Foundations for Agentic Commerce, Protocols and Platform Integrations, May 2026
• Global: AI-Commerce Protocols and Interoperability Standards, May 2026
• Global: Cloud Infrastructure, AI Compute Scaling, and Commerce Processing Capacity Expansion, May 2026
• Global: Merchant Readiness Across API Checkout and AI-Compatible Commerce Infrastructure, May 2026
• Global: Payment Processing Steps, System Dependencies, and Authorization Decision Layers, May 2026
• U.S.: Digital Wallet Adoption Trends, May 2026
• U.S.: AI Infrastructure Scaling and Investor Confidence, May 2026
• Europe: AI Wallet Mergers, P2P Expansion, and Digital Euro Integration, May 2026
• Europe: AI in Open Banking for Risk Control, Value Services, and Infrastructure Efficiency, May 2026
• Europe: Cloud Dependency, Modular AI Architecture, and Strategic Investment Priorities, May 2026
• UK: Open Banking, API Ecosystems, and AI Payment Innovation, May 2026
• China: Mobile Wallet Penetration, Digital Infrastructure, and Consumer Adoption, May 2026
• Africa: Digital Infrastructure, Data Center Expansion, and Governance Models for AI Deployment, May 2026
• 11.3. AI Agents & Autonomous Commerce Applications
• Global: Autonomous Shopping Agents, Purchase Delegation, and AI-Assisted Commerce Workflows, May 2026
• Global: Conversational Commerce and AI-Assisted Purchase Journeys, May 2026
• Global: Agentic Commerce, Automated Payment Journeys, and Emerging Authentication Impli., May 2026
• Global: Multi-Rail Payment Routing, Transaction Orchestration, and Automated Execution Infrastr., May 2026
• Global: Checkout Infrastr., Transaction Gateways, and Commerce Execution Layer Competition, May 2026
• Global: Subscription Automation and Autonomous Recurring Commerce Models, May 2026
• Global: AI Procurement Agents and Autonomous Vendor Coordination Systems, May 2026
• Glo